ether.fi Cash vs OKX Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: ether.fi Cash wins overall (6.4/10 vs 5.7/10). The right pick still depends on your priority - see the flow comparison below.
 ether.fi Cash |  OKX Card | |
|---|---|---|
| Overall score | 6.4 | 5.7 |
| BTC load | Direct BTC top-up (on-chain) | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Self-custody | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 1% | 0% |
| Monthly fee | none | none |
| Cashback | 3% in ETHFI | 2% in USDG |
| Regions | US, UK, EEA, APAC, LATAM | APAC, MENA, LATAM, EEA |
Pick ether.fi Cash if
- Higher documented cashback (3% vs 2)
Pick OKX Card if
- Known fee stack (1.0 vs 0.0 % equivalents on a $500/mo profile)
ether.fi Cash
A genuinely different architecture: keep full self-custody of 250+ assets and spend through a credit line instead of selling - with tiered memberships, travel cashback and premium Visa perks. The risks are equally clear: borrowing costs, portfolio volatility/liquidation risk, and a protection program that was still 'not yet live' at review time.
OKX Card
FAQ
Which is better for privacy, ether.fi Cash or OKX Card?
ether.fi Cash requires Full KYC, while OKX Card requires Full KYC. Lower KYC means less data exposure - and weaker regulatory protection if something goes wrong.
When does my bitcoin get sold on each card?
ether.fi Cash: Not documented. OKX Card: Not documented. Sale timing determines your price exposure between loading and spending.
Which is cheaper overall?
Compare the full stack - top-up, FX, monthly, ATM - against your own spending mix in the fee calculator. Headline numbers alone flip with real usage.